Choose from standard cover or Home Insurance Plus, with plenty of optional extras to provide flexible protection for your home and contents.
Set up in 1905, The AA used to be called The Automobile Association and is perhaps most well known for its breakdown cover.
Over the years this familiar brand has grown to more than 14 million members and is trusted for delivering a wide range of reliable services with great customer care and expertise.
Todays the AA offers a range of financial products as well as its roadside rescue. These include motor, pet, and home insurance as well as personal loans and credit cards.
Rated an overall four stars by Defaqto, five stars by Moneyfacts, and awarded a 2021 Feefo platinum Trusted Service Award - AA home insurance might be a good option if you want to protect your home and belongings.
The AA offers three types of home insurance: buildings, contents and combined buildings and contents cover.
Providing two levels of home cover packages, with the AA you can choose from a standard level of cover or their Home Insurance Plus, with flexible extras to suit your needs.
Home Insurance Plus has a Defaqto five-star rating and provides a higher level of cover with lots of useful extras included in one package.
But as with any type of insurance, it’s always best to compare quotes and types of cover to find the right policy for you.
It's still important to compare different home insurance providers to make sure you're getting the right policy for you that covers your home insurance needs.
Designed to protect your home and belongings from loss and damage from events like fire, theft, storm and floods, with AA home insurance it’s useful to know that:
The protection you get with AA buildings insurance is designed to help you put things right if you’re unlucky enough to suffer loss or damage to your home.
With AA buildings cover, your home and its fixtures and fittings will be insured against a range of events including fire, flooding and storms, and theft or attempted theft.
There are two levels of insurance to choose from, depending on your needs.
This cover offers good quality benefits with flexible optional extras to suit your needs. The standard cover includes:
With AA standard buildings cover you can add accidental damage insurance as an optional extra, as well as some other policy add-ons.
If you feel you’d like more protection, you can take out Home Insurance Plus. This includes higher levels of cover than standard, plus some additional types of cover which include:
This type of cover is designed to protect your belongings and possessions from events that are outside your control.
It covers the contents of your home, including carpets and light fittings, from loss or damage from things happening like fire, theft, storms, flood, leaks and vandalism.
Again, depending on the level of cover you need there are two you can choose from.
This cover allows you to insure more than £75,000 worth of contents and provides extra layers of protection on top of the standard cover.
With higher levels of payout, Home Insurance Plus provides everything that standard cover does but gives you extra peace of mind by also including:
AA home insurance is designed to be flexible by giving you the option to add extra types of cover to suit your individual needs.
With buildings insurance, there’s the option of taking out accidental damage cover as an add-on to your policy. For example, covering the cost of damage if you were to put a foot through the ceiling.
For contents insurance there are four optional extras that you can choose to add to your policy, these are:
This will depend on the type of cover you take out and the value of your home and contents that you want to insure.
Your quote will also depend on where you live and whether you’ve made any home insurance claims in the past.
If you add optional extras to your insurance policy you’ll need to pay extra for those.
The name of the underwriter for your home insurance will be provided from the AA’s home insurance panel. It will be shown on your home insurance quote and your policy documents.
When you take out a home insurance policy with the AA you’ll be given the option to auto-renew your policy.
While opting for auto-renewal can mean you’re never left without cover, it might mean you end up paying more when it comes to renewing your insurance.
It’s best to set a reminder for 28 days before it’s time to renew your policy and then compare quotes from other providers.
Yes, you can cancel your AA home insurance cover.
If you cancel within 14 days from the date your cover started you can get a full refund of any premium you’ve paid (unless you’ve made a total loss claim during this time) - but their £9 arrangement fee won’t be returned to you and the cost of any cover you’ve already received will be deducted from your refund.
If you cancel after 14 days of the policy starting, you’ll be given a refund based on the cover you haven’t used yet, unless you’ve claimed while having the policy (in which case you won’t qualify for a refund). You’ll also need to pay a cancellation fee of £20 and the insurer will keep the £9 arrangement fee.
Yes, you do.
If you pay annually and are using automatic renewal, the payment will automatically be taken for the next 12 months when your policy’s due to end and it will then be renewed for another year.
The AA will write to you at least three weeks before your renewal is due to confirm the details.
If you’re paying in monthly instalments, you’ll be asked for an initial payment by debit or credit card and the rest of your payments will be made in 11 monthly instalments.
At the end of 12 months, you’ll be contacted by the AA and told what the new monthly instalments will be.